Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16910258
Complaint Overview
Complaint ID: 16910258
Company: Cl Holdings LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Georgia
ZIP Code: 303XX
Date Received: 2025-10-29T12:00:00-05:00
Date Sent to Company: 2025-10-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Jefferson Capital Systems LLC is furnishing false, misleading, and re-aged information on my XXXX credit file in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 5 ), and 1681s-2 ( b ) ( 1 ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ). The tradeline appears as an open collection account with a fabricated Date Opened of XX/XX/year>, and falsely identifies Jefferson Capital Systems LLC as both the current owner and the original creditor. This is materially inaccurate and misrepresents the age, ownership, and status of the alleged debt. I have never received any original account-level documentation substantiating Jefferson Capitals legal right to report or collect this account. During my prior disputes, I specifically requested : The original signed agreement with the alleged original creditor ; The complete payment and charge-off history from the original creditor ; Proof of assignment or purchase showing Jefferson Capitals ownership and authority to furnish data ; The Date of First Delinquency ( DOFD ) reported to the credit bureaus and the method used to determine it ; Validation of the reported balance with an itemized accounting of fees and interest ; and Copies of any e-OSCAR or ACDV communications exchanged with XXXX during the reinvestigation. Jefferson Capital failed to produce any of this documentation. Instead, XXXX file continues to show the account as open with a {$930.00} balance and remarks account information disputed by consumer. This proves that neither the furnisher nor the credit reporting agency conducted a reasonable reinvestigation as required under 1681i and 1681s-2 ( b ). Reporting a debt with a falsified open date and identifying a debt buyer as the original creditor constitutes data furnishing misconduct and re-aging, both of which violate 605 ( a ) and 623 ( a ) ( 5 ). Continuing to report this account after notice of dispute and without validation constitutes willful noncompliance under 1681n. Requested Action : 1.Immediate and permanent deletion of the Jefferson Capital Systems LLC tradeline from all consumer files. 2.Written confirmation that XXXX has suppressed this data and notified all downstream users. 3.Referral of Jefferson Capital Systems LLC for regulatory enforcement due to its pattern of reporting re-aged and unverifiable debt buyer accounts as active collections. Evidence Provided : Screenshot of the XXXX file showing Date Opened : XX/XX/year>, Original Creditor : Jefferson Capital Systems LLC, and Placed for Collection / Account information disputed by consumer. Jefferson Capitals continued publication of demonstrably false information after verified dispute constitutes willful noncompliance under 15 U.S.C. 1681n. I am notifying both Jefferson Capital Systems LLC and XXXX that any further inaccurate or unverifiable reporting after this notice may subject them to statutory and punitive damages under the FCRA and FDCPA.
Frequently Asked Questions
What is Complaint #16910258 about?
Complaint #16910258 was filed against Cl Holdings LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-10-29T12:00:00-05:00.
How did Cl Holdings LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Cl Holdings LLC?
Yes, visit the Cl Holdings LLC company profile at readthecomplaint.com/company/cl-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.